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Easy Steps to Remove MRS Associates Collections From Your Credit Report
By Erica Gellerman
Last updated 6/12/2019
Summary: Use these super easy strategies to remove MRS Associates Collection company from your credit report.
Ugh, debt collectors. One of the least fun phone calls you’ll ever receive.
Getting a call from a debt collection agency like MRS Associates can leave you completely panicked that your credit score is about to take a dive.
And you may be left wondering if there’s anything you can do to get the collection removed from your credit report.
Luckily, you have some options. Let’s walk through some things you can do to improve your odds of getting the past-due debt removed and ease the debt collection panic.
What is MRS Associates?
MRS Associates (now called MRS BPO) is a debt collection agency located in New Jersey.
They work to collect debts on behalf of a range of companies and industries including financial services, healthcare, and utilities.
Why Are They On Your Credit Report?
If you’re being contacted by them or you see them on your credit report, they are now responsible for getting you to repay your debt.
MRS Associates has either been hired by a company to get you to repay your debt or they have purchased your debt from a company.
Either way, they are going to work as hard as they can to try to get you to repay your debts.
Know Your Rights
Once your debt has gone to a debt collector, it’s important to know your rights.
It’s not uncommon to hear stories of harassment from debt collection agencies.
In fact, the Consumer Finance Protection Bureau logs complaints from financial services agencies and MRS Associates has over 400 complaints registered.
Luckily, you do have rights when it comes to how these companies can treat you.
MRS Associates must stop contacting you after they receive a written request from you to stop
The Fair Debt Collection Practices Act was passed to make sure companies like MRS Associates don’t harass you. This means they aren’t allowed to:
You also have a right to put an end to the debt collection calls. Under Federal Law, MRS Associates must stop contacting you after they receive a written request from you to stop.
But just because the calls have stopped, doesn’t mean the debt has disappeared.
They could still report your debt to the credit bureaus or file a lawsuit against you.
You can also make the request that they only contact you certain ways, including that they:
How To Remove MRS Collections From Your Credit Report
If the debt MRS Associates is trying to collect shows up on your credit report, there are a few steps you can take to get it removed.
Get written verification of the debt
Before agreeing to pay anything, you’ll want to ask MRS associates to verify the debt.
Once MRS associates contacts you, you have 30 days to request in writing that they verify the debt.
When verifying the debt, they’ll provide you with additional details that will help you understand why they think you owe this debt.
They will also need to tell you when the debt was due, and whether they have a debt collection license from your state.
You’ll also be able to see how old the debt is and check to make sure the statute of limitations for collecting the debt hasn’t passed. The Balance has a listing of the statute of limitations, by state.
Dispute inaccurate information
Think that the information MRS Associates is providing is incorrect? You can dispute it.
You can also dispute it if you think that the debt is past the statute of limitations for your state.
Disputes happen often: in 2011 eight million people disputed inaccurate credit reports.
Once you receive the details of the debt, you have 30 days to file a written dispute.
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Make sure to send a written dispute and keep proof that it’s been sent.
Make a copy of your letter for your records and send the original to MRS associates by certified mail, so you can prove that it was sent.
If the debt that MRS associates is trying to collect isn’t valid, you’ll also want to dispute inaccurate information directly with the credit reporting agencies.
Send a goodwill letter
If the debt is yours and the details are valid, disputing it likely won’t help keep it off your credit report.
And once negative information hits your credit report, it can stay there for seven years.
You can also send a goodwill letter asking to remove 30, 60, or 90 day lates from your credit report.
But you may be able to have it removed sooner by sending MRS Associates a letter of goodwill.
This letter asks them (nicely) to consider removing it from your report.
They’re not required to remove the black mark from your credit report, but you may have luck with it if you can explain the situation and that you plan to stay current on all of your payments in the future.
You Don’t Have To Go At It Alone
Dealing with debt collectors can be an emotional and time consuming endeavor.
If you find yourself looking for help to send letters and begin repairing your credit, you may want to consider hiring a company like The Credit Pros.
They’ll help you send letters to your creditors and give you steps you can take to improve your credit.